How to buy bitcoin on Bybit EU: steps, fees and safety
How to buy bitcoin on Bybit as an EU resident: Bybit EU is MiCA-licensed in Austria and charges 0.25% per spot trade, so €1,000 of BTC costs €2.50 in fees.
You can buy bitcoin on Bybit as an EU resident through Bybit EU GmbH, the group’s MiCA-licensed company in Vienna. Open an account at bybit.eu, verify your identity, deposit euros, and buy BTC on the spot market for a flat 0.25% fee: €2.50 on a €1,000 buy. The catch is the group’s record, which includes a $1.5bn hack in February 2025.
We checked Bybit EU’s fee announcement, help centre and public spot API, Austria’s authorisation notice and ESMA’s MiCA register on 23 October 2026. We haven’t traded on Bybit ourselves, so the steps below are general: menus and button names in the app can change, so check the information on screen each time.
Is Bybit EU a licensed financial platform?
Yes. Bybit EU GmbH holds a MiCA authorisation from Austria’s Financial Market Authority (FMA), granted on 28 May 2025, for custody, exchange, placing and transfer services. The licence is passported to the EEA, including the Netherlands, Germany, Belgium and Ireland; Malta is excluded.
Global Bybit and Bybit EU are not one platform
The licence covers the EU platform only. The global Bybit app, listed on Google Play as a “new financial platform”, is not run by the EU company and advertises stocks, gold and an AI assistant called Bybit AI. None of that appeared on Bybit EU’s spot list when we checked: its public API showed 108 coins and tokens, quoted in the fiat currencies euro (EUR) and Polish zloty (PLN) or in the stablecoin USDC, with no tokenised stocks or gold. Many how-to videos and guides online show the global exchange, so what you see on bybit.eu can look different.
- Who can join: residents of EEA countries other than Malta. Bybit EU does not accept US nationals, Maltese nationals, Russian nationals or stateless persons, among others.
- Make sure you’re on bybit.eu, not bybit.com, so your account sits with the MiCA-licensed company.
- Track record: De Nederlandsche Bank fined Bybit Fintech €2.25m in 2024 for serving Dutch clients without registration until September 2023.
Our Bybit review covers the licence, the hack and the scores in full, and is updated when the facts change.
What you need before you start
To buy bitcoin on Bybit EU you need to live in an EEA country it serves, an ID document, a phone for a selfie, an email address, and a bank account or card in your own name. Bybit EU requires identity verification before users get access to fiat deposits, Earn products and higher withdrawal limits.
Only invest money you can afford to lose. Bitcoin’s price can drop sharply, crypto assets are not covered by the €100,000 deposit guarantee or by investor compensation schemes, and you can lose all the money you put in. Understand that risk before you trade crypto on any exchange.
How to buy bitcoin on Bybit, step by step
Buying bitcoin on Bybit EU takes six steps: sign up, verify your identity, secure the account, deposit euros, buy BTC, and optionally withdraw it to your own wallet. Expect 15 to 30 minutes if verification goes through quickly.
- Create your Bybit account at bybit.eu, or in the app it links to. Enter your email address and a strong, unique password, and read the terms you are asked to acknowledge.
- Verify your identity with an ID document and a selfie. You need this before you can deposit euros. Follow the on-screen steps and use your legal name; the process can take a few minutes or longer if documents need a second look.
- Turn on two-factor authentication before you deposit any funds, and set it up with an authenticator app rather than text messages where you can.
- Deposit euros. Send a SEPA bank transfer, or top up by Visa, Mastercard, Apple Pay or Google Pay where available. Bybit EU charges no fee of its own on fiat deposits; your bank or card provider might.
- Buy bitcoin. Use One-Click Buy for a quick quote, or the spot market (BTC/EUR) with a market or limit order for the 0.25% trading fee. Enter the amount you want to spend and review the order before you confirm.
- Move it to secure storage (optional). Check the withdrawal fee in the withdrawal window, send a small test amount to your own wallet, then the rest.
One-Click Buy or a spot order: two ways to buy crypto
Use a spot order if you want to know your fee in advance. On the spot markets the fee is a published 0.25%, while the cost of One-Click Buy and card purchases is shown only after you log in.
- Market order: buys straight away at the best available price.
- Limit order: you choose the maximum price; the order waits in the order book until it fills or you cancel it.
- Same fee for both: since 5 October 2026 Bybit EU charges a single 0.25% whether your order adds liquidity or takes it, below 100,000 USDC of 30-day volume.
- Minimum order: the API listed €1 on BTC/EUR, so you can buy a small fraction of a bitcoin.
Can you buy USDT on Bybit EU?
Not on the spot market. Bybit EU’s public spot API listed no USDT pairs on 23 October 2026: you buy bitcoin with euros, Polish zloty or USDC. If a guide tells you to buy USDT first and then swap the USDT for bitcoin, it describes the global platform, not Bybit EU. On Bybit EU you can buy crypto with euros directly, which saves one trade and one fee.
Bybit EU transaction fees on €100 and €1,000
A €100 bitcoin buy on Bybit EU costs €0.25 in trading fees and a €1,000 buy costs €2.50, with no Bybit EU fee on a euro deposit. Card, One-Click Buy and withdrawal fees are shown only to logged-in users, so you can view them only after you open a Bybit account, and we can’t add them to the total.
| Cost | €100 buy | €1,000 buy |
|---|---|---|
| SEPA deposit (Bybit EU fee) | €0.00 | €0.00 |
| Spot trade, 0.25% | €0.25 | €2.50 |
| Card or wallet top-up | Shown after login | Shown after login |
| One-Click Buy | Shown after login | Shown after login |
| BTC withdrawal (optional) | Shown after login | Shown after login |
| Known total | €0.25 | €2.50 |
At higher volume the spot fee falls to 0.15% for non-VIP users and 0.045% at the top Supreme VIP level. Compared with other licensed exchanges, the same €1,000 market order costs €2.50 at Bitvavo (0.25% taker) and €8.00 on Kraken Pro (0.80% taker). Our Bybit fees page tracks every cost we can verify.
Withdrawing bitcoin to your own wallet
To withdraw bitcoin from Bybit EU, open the withdrawal window in your Bybit account, paste your wallet address, choose the Bitcoin network and confirm. That window is the only place you’ll find the BTC withdrawal fee, so read it before you send, especially on small amounts, where a fixed fee weighs more.
Under the EU travel rule, Bybit EU must collect information about who receives your crypto. If you send more than €1,000 to your own self-custody wallet, it must check that the wallet is yours, for example with a signed message or a small test transaction. Allow for that extra step the first time.
Where to keep your bitcoin
Bitcoin and other funds you leave on Bybit EU are held in Bybit’s custody. Bybit publishes a Merkle-tree proof of reserves with wallet addresses (latest snapshot 23 September 2026), but the February 2025 theft of about $1.5bn in ETH from Bybit’s wallets shows what custody risk means.
For holdings you plan to keep, consider self-custody: a wallet where you hold the private keys. A hardware wallet keeps those keys offline. Compare the options in our guide to wallet types, and store your recovery phrase offline where only you can reach it.
Common mistakes when buying bitcoin on Bybit
- Signing up on the wrong site. Bybit EU is at bybit.eu; the global platform is a different company without an EU licence.
- Buying by card without checking the fee. It’s shown only after you log in, and it can cost more than the 0.25% spot fee.
- Using spot margin by accident. Bybit EU offers trading with borrowed money; most retail traders who use leverage lose money, and liquidation carries a 2% fee.
- Skipping the test transfer. A wrong address or network can mean losing your coins.
- Chasing sign-up rewards. Bonus terms change often and we couldn’t verify the current EU offer; focus on fees and the licence instead.
- Trusting “support” messages. Bybit EU offers 24/7 support and takes cases through its help centre, so contact it only there; a real customer support team never asks for your password or recovery phrase.
Is Bybit EU good for beginners?
Bybit EU can work for beginners who stick to spot orders on BTC/EUR: the fee is flat, Bybit EU charges nothing on euro deposits and the minimum order is small. It is less helpful if you are still learning, because spot margin sits close at hand and the full fee list only appears after you sign up. If you want to grow a position slowly, for example €100 a month, the trading fees come to 12 × €0.25 = €3.00 a year.
Taxes on your bitcoin
Buying bitcoin is not taxed in itself, but holding and selling can be. In the Netherlands, crypto counts towards your box 3 assets on 1 January (for 2026, a 6.00% notional return taxed at 36% above €59,357 per person). In Germany, crypto held for more than a year can be sold tax-free; gains within a year are taxed at your income-tax rate once your private-sale gains reach €1,000 in a year. Download your transaction history from the app each year.
Alternatives to Bybit EU
If the hack or the hidden withdrawal fees put you off, compare another MiCA-licensed exchange. Bitvavo (AFM, Netherlands) charges 0.15% maker and 0.25% taker with free SEPA withdrawals. Kraken (Central Bank of Ireland) charges 0.40% maker and 0.80% taker on Kraken Pro, with a longer record. Binance has no MiCA licence and no longer takes EU customers, so we don’t recommend it.
Questions people ask
Can I buy bitcoin on Bybit in the EU?
Yes, through Bybit EU GmbH, which Austria's FMA authorised under MiCA on 28 May 2025 and which serves the EEA, including the Netherlands, Germany, Belgium and Ireland. Malta is excluded.
How much does it cost to buy bitcoin on Bybit EU?
A spot order costs 0.25%, so €100 of bitcoin costs €0.25 in fees and €1,000 costs €2.50. Euro deposits carry no Bybit EU fee, but card, One-Click Buy and withdrawal fees are shown only after you log in.
What is the minimum deposit for Bybit?
We found no published minimum deposit. Bybit EU's public API listed a minimum order value of €1 on the BTC/EUR market on 23 October 2026.
Can US residents use Bybit?
No. Bybit excludes US persons from both Bybit EU and its global platform.
Is Bybit safe now?
Bybit EU is licensed and supervised in Austria and publishes proof of reserves, but the Bybit group lost about $1.5bn in ETH in a February 2025 hack. If that worries you, buy at a licensed exchange with a cleaner record and keep long-term holdings in your own wallet.